“2025 was the year of volatility — but out of the chaos came stability.” In this episode of the BLD Financial Podcast, Josh & Ehren break down what defined the Canadian real estate market in 2025—and what investors need to prepare for heading into 2026. They unpack the interest rate shifts, CMHC policy updates, and bond yield movements that shaped the past year, and share actionable insights for navigating the multifamily, construction, and development sectors as the market stabilizes. ...

“We’ve Killed the Condo Market.” Toronto City Councillor Brad Bradford joins Josh & Ehren to break down how policy, red tape, and costs are choking housing supply — and what it’ll take to make Toronto buildable again. Listen to the full conversation on Toronto’s housing crisis, missing middle development, and the future of affordability. In episode 16, urban planner–turned–City Councillor Brad Bradford shares how smarter planning, better policy, and collaboration can unlock housi...

Nick Hill shares a warning every Canadian real estate investor, broker, and entrepreneur needs to hear about the future of AI, Universal Basic Income (UBI), and the direction of Canadian real estate investing. In the fifteenth episode of the BLD Financial Podcast, we’re joined by Nick Hill, Canadian real estate investor, mortgage agent, and co-host of the Canadian Real Estate Investor Podcast. From building one of Canada's top real estate podcasts to helping thousands of investors understand...

What does it really take to scale from duplexes to ground-up developments? In the fourteenth episode of the BLD Financial Podcast, we’re joined by Bryan Bouchard, a seasoned investor and developer who has built a career helping Canadians navigate CMHC programs, construction financing, and multifamily development. From comparing CMHC construction loans to conventional financing to managing investor expectations and building teams, Bryan reveals the strategies that can make or break your...

What does it really take to navigate rising insurance premiums? In the thirteenth episode of the BLD Financial Podcast, we’re joined by Samuel Castillo, an expert in multi-family and builder’s risk insurance who’s built a career helping investors protect their assets and their bottom line. From understanding loss ratios to navigating CMHC requirements, Samuel reveals the strategies and hard truths that can save—or cost—investors thousands. From builder’s risk rates and surety bonds to the i...

What does it really take to go from maxxing out your credit cards for a downpayment on a 2-bedroom house to doing a $1M renovation on a 32-unit apartment building? In the twelfth episode of the BLD Financial Podcast, we’re joined by multifamily real estate investor & developer Carlos Afanador. With a track record of scaling from student rentals to midsize multifamily properties without partners, Carlos has built a multimillion dollar real estate portfolio. From executing a $1M ren...

What’s the real reason most real estate development projects fail? In the eleventh episode of the BLD Financial Podcast, we sit down with Ryan Valente, a hands-on real estate developer with over 15 years of construction experience and a growing portfolio of mid-sized multi-family projects across Toronto. From custom home building to CMHC-financed 4-plexes, laneway suites, and now an 18-unit build in High Park—Ryan has lived every phase of the development cycle. In this episode, we dive into...

Is the war on real estate developers finally coming to an end? In the tenth episode of the BLD Financial Podcast, we’re joined by Josh Kaufman, one of the most experienced minds in Canadian real estate development. With over three decades of leadership across firms like Starlight Investments, Dream, and Rogers, and a portfolio that spans residential, commercial, and industrial sectors across multiple provinces, Josh brings unmatched perspective to the table. In this episode, we explore: - Jos...

Ever wonder what factors real estate appraisers utilize when calculating the value of a multifamily property? In the ninth episode of the BLD Financial Podcast, we sit down with Graham Morrison, Principal, Senior Director, Valuation & Advisory Services at Avison Young, to talk about the key factors driving multifamily real estate valuations in the GTA. Graham shares how appraisers calculate cap rates, including the critical role of location, unit count, and historical market data. ...

Why would you ever go to a 'C Type Lender' for borrowing money on your investment property? In the eighth episode of the BLD Financial Podcast, we sit down with Kyle Ford to explore the world of private money lending. Kyle explains why private lenders are a great option for real estate investors, especially when purchasing multifamily properties. We dive in to how private money lending can be a valuable tool for real estate success, offering investors the opportunity to access capital when c...

“We never learned to deal with these issues, because they never existed in our life. Our generation grew up without ever thinking about inflation.” In this episode of the BLD Financial Podcast, we sit down with Daniel Foch, Chief Real Estate Officer at Valery.ca and host of the Canadian Real Estate Investor Podcast to discuss the macroeconomic forces shaping the Canadian real estate market, the challenges facing pre-construction condo buyers, and why investors need to understand the bigger e...

'We are seeing huge interest in people building up as-of-right multiplexes & small apartment buildings in Toronto & the GTA". In this episode of the BLD Financial Podcast we sit down with Ben Singer, condo development real estate investor focused lawyer from SR Law to discuss the 'beauty' of Multiplex Condo Unit legal structuring and the benefits it can have for investors, buyers & the Canadian housing market. Who is Ben Singer? Ben Singer maintains a general commercial r...

After years of investing in the Ontario real estate market, why has Mark Loeffler pivoted to Alberta? In the fifth episode of the BLD Financial Podcast we sit down Mark Loeffler, realtor, investor & podcast host to chat about EVERYTHING going on with real estate in Canada and why he's pivoted from investing in Ontario to Alberta. If you've been considering of expanding your real estate portfolio outside of Ontario this is an episode you do not want to miss! Follow & Connect with Ma...

What has Andrew Hines been up to since stopping his podcast? In the fourth episode of the BLD Financial Podcast we sit down with the man, the myth, the legend, Andrew Hines to chat about EVERYTHING going on with real estate and what he's been up to for the last few months since stopping his podcast. We cover everything from some of his personal horror stories while investing in the US market to what he's seeing in the commercial real estate market and even addressing some of the core fundam...

Are you a real estate investor looking to learn more about how to improve the energy efficiency of your properties? Want to learn how investors are taking advantage of the new 4 plus 1 developments in the GTA? In the third episode of the BLD Financial Podcast, we sit-down with Jayden Haywood, a real estate investor, developer with River Developments and an engineer with Pacific Light & Energy where he is helping investors save thousands through low-cost energy efficiency upgrades utilizi...

After many years of creating educational based content for YouTube & social media, we are excited to announce the launch of our first podcast: the BLD Financial Podcast!🎙 This podcast is a chance for us to share the indepth insights & conversations we have with experts from various industries affecting real estate, financing, capital raising, development and more! 🏗💰🏘🏢 In this second episode we sit-down with Kunj Patel, Assistant Vice President at First Source Capital, a boutique mo...

After many years of creating educational based content for YouTube & social media, we are excited to announce the launch of our first podcast: the BLD Financial Podcast!🎙 This podcast is a chance for us to share the indepth insights & conversations we have with experts from various industries affecting real estate, financing, capital raising, development and more! 🏗💰🏘🏢 In this premiere episode Josh Findlay & Ehren Laycock of BLD Financial sitdown with Jack Bernstein of Bernstone...